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Citi Mastercard

Citi Simplicity Card

The Citi Simplicity is a financing-first card, not a rewards card. Its reason to exist is the combination of 0% intro APR for 18 months on both purchases and balance transfers, no annual fee, no late fee, and no penalty rate. The tradeoff is equally clear: it earns no rewards and charges a 3% foreign transaction fee, so it is best used as a temporary interest-management tool rather than as an everyday spender.

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Citi Simplicity Card card art
  • Annual fee
    Free
  • Welcome offer
    0% intro APR for 18 months
    No fixed cash, points, or miles welcome bonus is disclosed on the captured issuer page. The acquisition headline is 0% intro APR for 18 months on purchases and balance transfers from account opening.
  • Recommended credit
    700-780
    Median 710. See why →
0

Benefits and credits

Lifestyle credits

  • Citi Entertainment
  • Free FICO Score Access

Purchase and protection benefits

  • $0 Liability on Unauthorized Charges
  • 24-Hour Fraud Protection
  • Mastercard ID Theft Protection

financing

  • 0% Intro APR for 18 Months
  • No Late Fee

shopping

  • Citi Merchant Offers

Pricing and fees

Full Pricing and Terms
Purchase APR
17.49% to 28.24%
Foreign tx
3.00%
Penalty APR (cap)
Not disclosed
Balance transfer
17.49% to 28.24%
Fee $5 or 5.00%, whichever is greater
Cash advance
29.74%
Fee $10 or 5.00%, whichever is greater
Late / returned
$0 · Not disclosed

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Yes
    Reports authorized user activity to the credit bureaus.
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Sources

Data current as of June 17, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.